Liberty Mutual RightTrack Review for 2021

The Liberty Mutual RightTrack program tracks your driving habits and provides up to a 30 percent car insurance discount. For a 90-day span, Liberty Mutual RightTrack utilizes telematics to monitor hard braking, acceleration, miles driven, and nighttime driving. Your discount with RightTrack is dependent on how well you perform.

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Sara Routhier, Managing Editor of Features and Outreach, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming worl...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Feb 22, 2021

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A Concise Overview

  • Liberty Mutual RightTrack evaluates your driving habits to calculate a discount
  • You can save up to 30 percent for safe driving
  • You get a five percent discount just for signing up

Liberty Mutual RightTrack evaluates driving habits to determine if you are a safe driver. The safer you drive, the lower your Liberty Mutual RightTrack auto insurance rates. You can receive up to 30 percent off the cost of your auto insurance coverages during the policy renewal period.

Before you buy Liberty Mutual RightTrack auto insurance, shop around to make sure you are getting the best deal. Enter your ZIP code to compare rates near you.

What is Liberty Mutual RightTrack?

RightTrack is a usage-based insurance program, meaning your rates are based on how you use your vehicle and how well you drive.

You can receive up to 30 percent off of your Liberty Mutual RightTrack auto insurance quote for safe driving.

Depending on what state you live in, there are three separate versions of RightTrack. The RightTrack Tag, Plug-In, or RightTrack Mobile app programs are the three options. Based on their location, drivers obtain a windshield sticker, a plug-in unit, or simply use the app.

The habits that RightTrack uses to calculate your discount are:

  • Acceleration
  • Hard braking
  • Nighttime driving
  • Mileage

RightTrack records your driving info, regardless of the process, and uploads it to Liberty Mutual. The better you drive, the greater the discount.

The downside is that the Liberty Mutual RightTrack program doesn’t distinguish between you braking hard because someone pulled out in front of you and braking hard because you missed your turn.

For good drivers who drive safely but have to respond to other drivers, this can be frustrating.

Liberty Mutual says it won’t use your data to cancel your policy if you have bad driving habits, but your data is stored and used for research purposes.

The program lasts for a 90-day period and determines your discounts for the remainder of your policy.

This means that if you are an especially good driver during that 90-day review period, you reap the benefits throughout your policy. However, if you have a rough 90 days, you are stuck with your score.

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Is RightTrack from Liberty Mutual worth it?

There really isn’t a downside to enrolling in RightTrack from Liberty Mutual. There’s no risk to you, and if you get a bad score, your rates don’t increase. Actually, the only disadvantages are that your data is monitored, and you only have a 90-day period of time to show that you’re a safe driver.

Another plus is that the program can make you more aware of your safe driving habits and become a safer driver.

According to the Insurance Information Institute, one of the main advantages of telematics is that it provides immediate feedback, causing you to adjust your driving habits quickly.

If your costs are very high because you are a young driver or have tickets or accidents on your driving record, services like this can be particularly helpful. This is a perfect way to lower those insurance premiums.

RightTrack can help you get affordable Liberty Mutual RightTrack auto insurance, but there are other options out there, such as GEICO DriveEasy and American Family KnowYourDrive.

Before you decide whether Liberty Mutual RightTrack auto insurance is right for you, shop around. Enter your ZIP code now to compare quotes and make sure you are getting the best deal.

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